The Right Builder. The Right Loan. All in One Place.
Builders nationwide trust us - big enough to deliver, small enough to care.
Innovative loan products meet real-world needs.
One of the largest non-bank residential construction lenders in the country.
More Options Means More Flexibility
Offering the widest variety of loan products, our team can help you meet your construction financing goals, no matter how niche.
Traditional Home Loans
VA Loans: For veterans and active duty and military, allowing for zero down.
FHA Loans: For those with lower down payments, higher debt-to-income ratios, or credit challenges. Allow for as little as 3.5% down.
Conventional Loans: Offering 5% down options, and 10% down options on 2nd homes.
Jumbo Loans: For those seeking loans above the conforming loan limit with as little as 5% down in some cases.
5/6 ARM: A hybrid adjustable-rate mortgage with a fixed rate for the first 5 years. This program considers bank statements, assets, stock options or other income methods for qualification along with supporting more flexible guidelines.
Portfolio Home Loans
Stay in Your Home Loan: For those looking to buy their new home before selling their current one.
Portfolio Loan: Outside the box scenarios that don't meet standard mortgage guidelines, including but not limited to Bank Statement programs, cross collateralization loans, and more!
Product Features
If you already have land, the land equity could cover the down payment requirement
Finance the cost of the land and construction in one Land & Home Package
Available for primary residences, second homes and investment properties
Mortgage term options include: 30-year fixed, 15-year fixed and ARMs
Technology-based construction draw process
Reviews
The end to end mortgage process was easy, the team at CalCon Mutual Mortgage were true professionals and we closed on the scheduled date without a hitch. Thank you CalCon!
- Ephraim A.
The manufactured lending team at CalCon is top notch! Each team member has more than 10 years of experience in manufactured home lending and their customer service is the best in the industry.
- Lauren C.
From the excellent communication, answering my million questions & detailed explanation of the entire process! Definitely the best and I will recommend to anyone!
- Amalia Y.
Get In Touch
About CalCon Mutual Mortgage & Home Financing
Led by Thomas Coronato, Senior Vice President of Construction Lending at CalCon Mutual Mortgage, our highly experienced team shares a client-first mindset and passion for delivering personalized solutions. Together, we specialize in connecting homebuyers with the right builder for their unique project, ensuring a smooth, well-supported path from concept to completion.
With over 25 years of experience in construction lending, Thomas Coronato leads with expertise, integrity, and a deep commitment to building lasting relationships. He has dedicated his career to partnering with top-tier builders and guiding clients through the homebuilding journey with confidence.
Founded in 2013, CalCon Mutual Mortgage is a privately-owned Ginnie Mae, Fannie Mae, and Freddie Mac approved direct lender and servicer licensed in 49 states and 2 US territories with sales and operations across the country. In addition to supporting standard loan options like Conventional, FHA, VA, USDA, and Jumbo, CalCon specializes in portfolio and construction loans. The company places special importance on customer service as evidenced by their tagline, Service is Everything!®
Whether you're just starting to explore your options or ready to break ground, the CalCon Mutual Mortgage team is here to provide the knowledge, resources, and trusted partnerships to make your dream home a reality.